See khov.com for full details. Home Equity Conversion Mortgages (HECMs) is subject to program requirements, credit and underwriting approval. Age restrictions apply. To qualify, homebuyers must be ages 62 and up. Borrowers must occupy home as primary residence and are responsible for paying property taxes, homeowner’s insurance, the cost of home maintenance, and any HOA fees. Failing to pay these amounts may cause the loan to become immediately due and/ or subject the property to a tax lien, other encumbrance or foreclosure. Charges such as origination fee, mortgage insurance premiums, closing costs, and/ or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on reverse mortgage is not deductible from income tax until all or part of the interest on the loan is repaid. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against the property and borrowers may need to sell the property in order to repay the loan, or use other assets to repay the loan in order to retain the property. HECMs are federally insured by the FHA. Seller is not acting on behalf of or at the direction of HUD/ FHA or the Federal government. Seller is not a lender. Offer subject to all RESPA guidelines. This is not a commitment to lend. Buyer is subject to credit and underwriting qualifications, and investor program guidelines. Not available on all homes or in all states or communities. Cannot be combined with any other discounts, promotions, or incentives. Not all borrowers will qualify. Additional terms and conditions apply. Restrictions apply. K. Hovnanian American Mortgage, L.L.C. NMLS #3259|3601 Quantum Boulevard, Boynton Beach, FL 33426 (www.nmlsconsumeraccess.org). Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532. K. Hovnanian's Four Seasons communities are intended to provide housing primarily for residents 55 years of age or older. Additional restrictions, including limitations on the ages of additional permanent and temporary residents of a home, may apply. All K. Hovnanian's Four Seasons communities shall be operated as age-restricted communities in compliance with all applicable local, state and federal laws. Limited exceptions for residents 50 years of age or older may apply. ©2025 K. Hovnanian California Operations, Inc. DRE license #01183847. See a sales consultant for full details. Sales consultants: Kendall Bailey DRE #02155686, DeMylon Vinson DRE#02024681, Joshua Summers DRE#01341857, and Kaci Cook DRE#01270347. To learn more, visit khovmortgage.com or call 800-232- 035. Equal Housing Opportunity.  

^Offer applies to new contracts written on select Winter Collection homes. Winter Collection home must close by 9/30/25. Total value of the incentives may be up to $75,000 and cannot be combined with other offers and may be applied to financing incentives, upgrades, options, closing costs and/or home price reductions. Seller contribution limits may apply and may affect maximum financing. Maximum closing cost assistance may vary based on the purchase price, product, and occupancy. Seller is not a lender. A portion of incentives and/or closing costs are based on the use of affiliated lender, K. Hovnanian American Mortgage, L.L.C. (“KHAM”) for financing or an all cash purchase. If KHAM or all cash is not used, the incentives (other than a home price reduction) will be reduced by the greater of $10,000 or 3% of the purchase price. The home price reduction incentive is unrelated to and distinct from the other incentives offered and does not require the use of KHAM for financing to receive the price reduction incentive. The list price for certain homes may already reflect a base sales price reduction and/or may be subject to prior sale. Not available on all homes or in all communities or states.  Incentives, special interest rate financing options, builder options, upgrades, and/or closing costs will vary by home, homesite and community. Offer subject to change without notice. Restrictions apply.  Subject to final contract terms. K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Licensed by California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Lic. #4130532. K. Hovnanian's Four Seasons communities are intended to provide housing primarily for residents 55 years of age or older. Additional restrictions, including limitations on the ages of additional permanent and temporary residents of a home, may apply. All K. Hovnanian's Four Seasons communities shall be operated as age-restricted communities in compliance with all applicable local, state and federal laws. Limited exceptions for residents 50 years of age or older may apply.  ©2025 K. Hovnanian California Operations, Inc. DRE license #01183847. See a sales consultant for full details.Sales consultants: Kendall Bailey DRE #02155686, DeMylon Vinson DRE#02024681, Joshua Summers DRE#01341857, and Kaci Cook DRE#01270347. Equal Housing Opportunity.